The information contained in this website is intended neither as legal advice, nor does it create nor attempt to create an attorney-client relationship.  The person viewing this website is admonished that an attorney-client relationship may only be created with the express consent to the parties to it.  Bankruptcy law is complicated and this website should only be used to give the reader a preliminary introduction to Chapter 7 and Chapter 13 law.  As always, the reader should consult with bankruptcy counsel before taking any action in this regard.

J. Michael Combs does provide free initial consultations regarding bankruptcy matters.